{
  "brand": "Bank First",
  "brand_label": "Bank First",
  "brand_slug": "bank-first",
  "legal_entity_abn": "44087651769",
  "public_base_uri": "https://public.cdr.bankfirst.com.au",
  "logo_uri": "https://cdn.intelligencebank.com/au/share/e3Gq6M/oGkXA/Y01wk/original/Bank+First+Logo+Horizontal+Navy+RGB",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-06-15T23:24:20Z",
  "at_a_glance": {
    "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"low_rate","rank":14,"of":52,"product_label":"Platinum Credit Card","card_type":"credit","purchase_rate_pct":11.49,"annual_fee":99.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":6000.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"no_annual_fee","rank":5,"of":10,"product_label":"Classic Credit Card","card_type":"credit","purchase_rate_pct":12.54,"annual_fee":0.0,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":2000.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k2","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "credit limit from $6,000",
        "Available to members only.",
        "a further $20 arrears fee once a repayment is 30 days overdue",
        "no currency conversion fee: the 3% fee is refunded on the Platinum card",
        "Australian or NZ citizens, permanent residents or eligible visa holders, 18 or over"
      ],
      "k2": [
        "Available to members only.",
        "a further $20 arrears fee once a repayment is 30 days overdue",
        "3% currency conversion fee, refunded for Premier Package Home Loan holders",
        "Australian or NZ citizens, permanent residents or eligible visa holders, 18 or over"
      ]
    },
    "unranked": {
      "products": 0
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category",
  "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "156e9854-eace-460f-8390-6823965cff27",
      "product_name": "Classic Credit Card",
      "product_label": "Classic Credit Card",
      "product_slug": "classic-credit-card",
      "page": "/au/finance/credit-cards/cards/bank-first/classic-credit-card/",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/credit-cards/visa-classic",
      "terms_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/k77y1/733RL/original/Visa_Credit_Card_Terms_and_Conditions",
      "fees_url": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
      "eligibility_url": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_a.pdf?la=en&hash=1BD3E51F84EC9362648BB08285FA0082715FEDB6",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Classic Credit Card Account",
      "purchase_rate_pct": 12.54,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 12.54,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 0.0,
      "fee_period": "monthly",
      "fee_as_stated": 0.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Account Keeping Fees",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 2.5,
      "late_payment_fee": 20.0,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Google Pay",
        "Apple Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": 2000.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "Available to members only.",
        "a further $20 arrears fee once a repayment is 30 days overdue",
        "3% currency conversion fee, refunded for Premier Package Home Loan holders",
        "Australian or NZ citizens, permanent residents or eligible visa holders, 18 or over"
      ],
      "eligibility": [
        "Available to members only."
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "no_annual_fee",
          "rank": 5,
          "of": 10,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/156e9854-eace-460f-8390-6823965cff27",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bank-first/156e9854-eace-460f-8390-6823965cff27.json",
      "snapshot_at": "2026-10-27T23:35:23Z",
      "bank_last_updated": "2026-06-15T23:22:56.50756Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/a77v7/bllwo/original/Key-Facts-About-Credit-Cards",
      "from_issuer_page": null
    },
    {
      "product_id": "22e0e7ff-db3f-4934-9c47-730ac3a1b980",
      "product_name": "Platinum Credit Card",
      "product_label": "Platinum Credit Card",
      "product_slug": "platinum-credit-card",
      "page": "/au/finance/credit-cards/cards/bank-first/platinum-credit-card/",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/credit-cards/visa-platinum",
      "terms_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/k77y1/733RL/original/Visa_Credit_Card_Terms_and_Conditions",
      "fees_url": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
      "eligibility_url": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_a.pdf?la=en&hash=1BD3E51F84EC9362648BB08285FA0082715FEDB6",
      "card_type": "credit",
      "scheme": "visa",
      "tier": "platinum",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Platinum Credit Card Account",
      "purchase_rate_pct": 11.49,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 19.59,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 99.0,
      "fee_period": "annual",
      "fee_as_stated": 99.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Visa Platinum Credit Card Annual Fee",
      "fee_offers": [
        "Fee waived for Premier Package Home Loan"
      ],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 0.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 2.5,
      "late_payment_fee": 20.0,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": 6000.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit from $6,000",
        "Available to members only.",
        "a further $20 arrears fee once a repayment is 30 days overdue",
        "no currency conversion fee: the 3% fee is refunded on the Platinum card",
        "Australian or NZ citizens, permanent residents or eligible visa holders, 18 or over"
      ],
      "eligibility": [
        "Available to members only."
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 14,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/22e0e7ff-db3f-4934-9c47-730ac3a1b980",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bank-first/22e0e7ff-db3f-4934-9c47-730ac3a1b980.json",
      "snapshot_at": "2026-10-27T23:35:23Z",
      "bank_last_updated": "2026-06-15T23:24:20.344287Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/a77v7/bllwo/original/Key-Facts-About-Credit-Cards",
      "from_issuer_page": null
    }
  ],
  "rows": [
    {
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "legal_entity_abn": "44087651769",
      "product_id": "156e9854-eace-460f-8390-6823965cff27",
      "product_name": "Classic Credit Card",
      "product_label": "Classic Credit Card",
      "product_slug": "classic-credit-card",
      "page": "/au/finance/credit-cards/cards/bank-first/classic-credit-card/",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/credit-cards/visa-classic",
      "terms_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/k77y1/733RL/original/Visa_Credit_Card_Terms_and_Conditions",
      "fees_url": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
      "eligibility_url": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_a.pdf?la=en&hash=1BD3E51F84EC9362648BB08285FA0082715FEDB6",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 12.54,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 12.54,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 0.0,
      "fee_period": "monthly",
      "fee_as_stated": 0.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Account Keeping Fees",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 2.5,
      "late_payment_fee": 20.0,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Google Pay",
        "Apple Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": 2000.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "Available to members only.",
        "a further $20 arrears fee once a repayment is 30 days overdue",
        "3% currency conversion fee, refunded for Premier Package Home Loan holders",
        "Australian or NZ citizens, permanent residents or eligible visa holders, 18 or over"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/156e9854-eace-460f-8390-6823965cff27",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bank-first/156e9854-eace-460f-8390-6823965cff27.json",
      "snapshot_at": "2026-11-12T02:35:40Z",
      "bank_last_updated": "2026-06-15T23:22:56.50756Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/a77v7/bllwo/original/Key-Facts-About-Credit-Cards",
      "from_issuer_page": null,
      "rate_pct": 12.54,
      "rankings": [
        {
          "segment": "personal",
          "kind": "no_annual_fee",
          "rank": 5,
          "of": 10,
          "hidden_by_default": null
        }
      ]
    },
    {
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "legal_entity_abn": "44087651769",
      "product_id": "22e0e7ff-db3f-4934-9c47-730ac3a1b980",
      "product_name": "Platinum Credit Card",
      "product_label": "Platinum Credit Card",
      "product_slug": "platinum-credit-card",
      "page": "/au/finance/credit-cards/cards/bank-first/platinum-credit-card/",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/credit-cards/visa-platinum",
      "terms_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/k77y1/733RL/original/Visa_Credit_Card_Terms_and_Conditions",
      "fees_url": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37",
      "eligibility_url": "https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_a.pdf?la=en&hash=1BD3E51F84EC9362648BB08285FA0082715FEDB6",
      "card_type": "credit",
      "scheme": "visa",
      "tier": "platinum",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 11.49,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 19.59,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 99.0,
      "fee_period": "annual",
      "fee_as_stated": 99.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Visa Platinum Credit Card Annual Fee",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 0.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": 2.5,
      "late_payment_fee": 20.0,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": null,
      "min_credit_limit": 6000.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "credit limit from $6,000",
        "Available to members only.",
        "a further $20 arrears fee once a repayment is 30 days overdue",
        "no currency conversion fee: the 3% fee is refunded on the Platinum card",
        "Australian or NZ citizens, permanent residents or eligible visa holders, 18 or over"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/22e0e7ff-db3f-4934-9c47-730ac3a1b980",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bank-first/22e0e7ff-db3f-4934-9c47-730ac3a1b980.json",
      "snapshot_at": "2026-11-12T02:35:40Z",
      "bank_last_updated": "2026-06-15T23:24:20.344287Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://cdn.intelligencebank.com/au/share/e3Gq6M/a77v7/bllwo/original/Key-Facts-About-Credit-Cards",
      "from_issuer_page": null,
      "rate_pct": 11.49,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 14,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": []
}